At Clear, we have extensive knowledge and experience in formulating successful investment and savings strategies.
For investments, we take you through a structured process to determine which approach is right for you.
Identifying the product
Given the plethora of investment choices in the marketplace, it is
essential we understand your exact needs and aspirations and the likely tax implications. This will enable us to focus on the right type of strategy and product.
Identifying your attitude to risk
Equally important is the degree of risk you are prepared to accept. This is a major factor in considering and selecting the most appropriate products and funds to meet your objectives.
Identifying asset allocation
On the basis of risk acceptance, the most appropriate asset allocation can be established. For higher risk strategies, a larger proportion of your investments will be allocated to equities.
For the more cautious investor, more will be allocated to fixed-interest funds.
Fund selection
This follows your agreed risk and asset allocation criteria. We study all appropriate options available, evaluating past and likely future performance. Experience and judgement comes into this as past performance is not always an indicator of future returns.
We have a core portfolio which is renewed each month. Our aim when selecting funds is to choose those that not only outperform the market in rising conditions but, more importantly, also achieve returns above and beyond the benchmarks when markets are falling.
Regular reviews
Most investment strategies are for the long term. We will contact you at least once a year to review your risk profile, asset allocation and fund selection. We will also monitor your portfolio and contact you if this is likely to be affected by market or fund changes.
Savings
We will help you determine the best savings strategy, whether you wish to build up a nest-egg, an emergency fund,
or save for a future commitment, such as education fees for your children. Whatever your requirement, we will ensure your money is protected and working to provide the optimum return.
